Why I'll never use Affirm again

Post by [deleted] » Fri, Apr 08, 2022, 10:12 PM UTC

gscott wrote: post #147

kelnos wrote: post #140

Earlier quoted context omitted.

I would think that the better thing -- in an ideal world -- would be to contact Affirm and tell them to withhold payment from the merchant, since the merchant had not provided the goods. That way you'd still be in Affirm's good graces. But considering how this particular situation went as-is, I doubt Affirm would handle that request in any useful manner. Then again, I feel like this was a bit of an unusual situation…

Affirm is not like a credit card. They actually put your loan with Cross River Bank and are just the middle-man who collects commissions and collects fees from merchants for advertising on Affirm.com/app. I learned this the hard way... they care not if you get the item, or if it is good, or if it is a scam. Affirm is oblivious to it all. Just collecting fees.

Post by kube-system » Fri, Apr 08, 2022, 10:14 PM UTC

pc86 wrote: post #102

jjoonathan wrote: post #93

Earlier quoted context omitted.

Sure, 2-3% if you're WalMart. If you're (small respectable retailer) you'll be paying three times that and if you're a tiny retailer you'll be paying five times that.

Nobody is paying 10-15% in credit card fees regardless of their size. This is just blatantly wrong.

Post by jallen_dot_dev » Fri, Apr 08, 2022, 10:15 PM UTC

aunty_helen wrote: post #183

mymllnthaccount wrote: post #39

This is kind of OP's fault, right? I don't think it was appropriate to initiate a charge back on a payment to affirm since they provided their service to OP, that is they already paid for whatever OP was buying. I have a feeling that timing between OP opening the chargeback and the shipping of the item was actually coincidental. I'd think if you paid affirm and the merchant hadn't shipped the item, then your recourse…

What? How are you going to charge back against someone you didn't actually deal with financially? Your arguement is that Affirm should be able to clip the ticket and hold no responsibility for their client fufilling their duties? The charge back goes to who you paid for a service, if they need to pass it on, it's for them to do.

Post by chernevik » Fri, Apr 08, 2022, 10:21 PM UTC

mlevchin-affirm wrote: post #198

Hi, I am the CEO at Affirm. I am sorry for the bad experience you appear to have had with our customer support — it is certainly not what we strive for. Please email me at max.levchin @ affirm.com with either the transaction ID or the email address you used to register, and I will track down exactly what happened here. I realize you may not care at this point, but I’d greatly appreciate it, as it will help us prevent…

Post by tehlike » Fri, Apr 08, 2022, 10:25 PM UTC

chernevik wrote: post #227

mlevchin-affirm wrote: post #198

Hi, I am the CEO at Affirm. I am sorry for the bad experience you appear to have had with our customer support — it is certainly not what we strive for. Please email me at max.levchin @ affirm.com with either the transaction ID or the email address you used to register, and I will track down exactly what happened here. I realize you may not care at this point, but I’d greatly appreciate it, as it will help us prevent…

I hope he doesn't. It sounds like your customer service is the usual cost-minimization nightmare, and I don't see how fixing this one case will make it any better. Companies like yours make it hard for customers to reach capable representatives and routinely break service promises. Because hey! who cares if we have treated people decently? it has nothing to do with the business model. There must be dozens of ways to…